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How transactions post

Chase Overdraft Services

How transactions post

Posting order is the order in which we apply deposits and withdrawals to your account.  We provide you with visibility into how transactions are posted and in what order to help you better manage your account.

When we transition from one business day to the next business day we post transactions to and from your account during our nightly processing. The order in which we generally post items during nightly processing for each business day is:

  • First, we add deposits to your account.
  • Second, we subtract debit card transactions, automatic payments, online banking transactions, ATM withdrawals, teller cash withdrawals, checks you wrote or authorized that are either cashed or deposited by a Chase branch banker, and wire transfers in chronological order by using the date and time of when the transaction was shown as pending. If we do not have date and time information for a particular transaction, then it is posted as if it was made at the end of the day. Multiple transactions without a date and time are posted in high to low order.
  • Third, we subtract all other items, including automatic payments, checks you wrote or authorized, and recurring debit card transactions starting with those having the highest dollar amount and moving to the lowest. We reserve the right to use a different order in certain states, such as Nevada.
  • Finally, fees are assessed last.

During the day, if you review your account, you will see that we show some transactions as “pending.” These transactions impact your available balance, but have not yet posted to your account and do not guarantee that we will pay these transactions to your account if you have a negative balance at that time. We may still return a transaction unpaid if your balance has insufficient funds during that business day's nightly processing, even if it had been displayed as a “pending” transaction on a positive balance during the day. If a transaction that you made or authorized does not display as “pending,” you are still responsible for it and it may still be posted against your account during nightly processing.

For more information on how your transactions post, see our

Personal checking accounts (PDF)

Business accounts (PDF)

You can avoid overdrawing your account by making a deposit or transferring funds to cover the overdraft before the business day ends. If you deposit a check, this assumes we don't place a hold and the check isn't returned. Here are the cutoff times for making a deposit or transferring funds from another Chase account:

  • At a branch before it closes
  • At an ATM before 11 PM Eastern time (8 PM Pacific time)
  • When transferring money on chase.com or Chase Mobile® or using Chase QuickPay® with Zelle® before 11 PM Eastern time (8 PM Pacific time)

Additional cutoff times apply to other transfers, including transfers from non-Chase accounts. For more information refer to the online services agreements.